XTB vs Trading 212
Since 17 Jan 2011, XTB Limited has been authorised by the FCA, FRN 522157, and holds client money. Since 1 Oct 2014, Trading 212 UK Limited has been authorised by the FCA, FRN 609146, and holds client money.
XTB and Trading 212 side by side
Every figure comes from the broker, along with the date we read it. Their order follows what people search for, rather than any preference.
| Fact | XTB | Trading 212 |
|---|---|---|
| UK firm | XTB Limited | Trading 212 UK Limited |
| FRN | 522157 | 609146 |
| Regulatory status | Authorised | Authorised |
| Authorised since | 17 Jan 2011 | 1 Oct 2014 |
| Clone firms on the register | 9 | 4 |
| Retail CFD accounts that lose money | 74%, read 2 Nov 2026 | 75%, read 2 Nov 2026 |
| Smallest deposit | No minimum | £10 |
| Inactivity fee | No account maintenance fee for any active client, whatever their account balance | Not stated |
| Withdrawal fee | free | free (third-party banks may charge) |
| Withdrawal time | Processing takes up to 3 working days; allocating bank wires and card payments may take up to 3 working days. | Not stated |
| CFDs | Yes | Yes |
| Share dealing | Yes | Yes |
| Retail leverage | For retail clients, Maximum 1:30 on major forex pairs | Major currency pairs: 1:30; minor pairs: 1:20; other commodities: 1:10; stocks and ETFs: 1:5 (margin table)) |
| Platforms | XTB platform (xStation) | Trading 212 app and web platform |
| Demo account | Yes | Not stated |
| Negative balance protection | Yes | Yes |
| iPhone app rating, UK App Store | 4.66 of 5 (1,977 ratings) | 4.7 of 5 (412,613 ratings) |
Both firms have the same features: negative balance protection, share dealing, CFDs and FCA status.
Sources: xtb.com/en, as read 2 Nov 2026; trading212.com/trading-instruments/cfd, as read 2 Nov 2026; xtb.com/en/forex, as read 2 Nov 2026; xtb.com/en/account-and-fees, as read 2 Nov 2026; trading212.com/terms/cfd, as read 2 Nov 2026; xtb.com/en/platform, as read 2 Nov 2026; helpcentre.trading212.com/hc/en-us/articles/11471872562461-What-are-the-fees-in-the-CFD-account, as read 2 Nov 2026.
How the two loss rates stand against the wider field
The full risk warning from each broker
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Of the retail investor accounts that trade CFDs with this provider, 74% lose money. You should consider if you understand how CFDs work and if you can afford the high risk of losing money.
Read 2 Nov 2026: XTB's wording on xtb.com.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Of the retail investor accounts that trade CFDs with this provider, 75% lose money. You should consider if you understand how CFDs work and if you can afford the high risk of losing money.
Read 2 Nov 2026: Trading 212's wording on trading212.com.